First-Time Homebuyers
Clear answers to every first-time-buyer question — down payment options, credit guidance, and a calm, walked-through process from application to closing day.
Ask Troy about thisLoan Programs
The right loan, structured the right way.
From first homes to luxury portfolios up to $5M — explore Troy's full lineup of mortgage solutions. USA — Serving 49 States.
Programs
Available Loan Programs
Luxury & Jumbo Loans
Tailored jumbo structuring for executives, professionals, and luxury buyers. Troy regularly handles complex income profiles and scenarios up to $5M.
Ask Troy about thisInvestor Financing
DSCR, conventional investor, and portfolio products — including mixed-use properties — built around your strategy and long-term cash flow.
Ask Troy about thisConstruction Loans
From breaking ground to keys in hand. Clear draw schedules, disciplined oversight, and direct communication at every stage of the build.
Ask Troy about thisFHA & VA Loans
FHA for flexible credit and lower down payments. VA for active-duty, veterans, and qualifying spouses — zero down, no PMI, and exceptional rates.
Ask Troy about thisRefinancing Solutions
Honest math on whether — and when — a refinance actually serves your goals. Including cash-out and renovation refinances to put your equity to work.
Ask Troy about thisDoctor Loans
Physician loan programs with low or no down payment, no PMI, and student-debt-friendly underwriting for residents, fellows, and attending physicians.
Ask Troy about thisBank Statement & Self-Employed Loans
Bank statement programs and alternative documentation built for entrepreneurs, 1099 earners, and self-employed borrowers with non-traditional income.
Ask Troy about thisZero & Low Down Programs
USDA, VA, and select zero/low down options — strategically combined with seller concessions and lender credits to minimize what you bring to the table.
Ask Troy about thisRenovation Loans
Roll the cost of improvements into your purchase or refinance — ideal for fixer-uppers, additions, and value-add investment properties.
Ask Troy about thisUSDA Loans
USDA-guaranteed loans with no down payment and competitive terms for qualifying borrowers and properties in eligible areas.
Ask Troy about thisConventional Mortgages
The classic option — competitive rates, flexible terms, and predictable payments on primary, secondary, or investment homes.
Ask Troy about thisNot sure which program fits?
Tell Troy your situation. He'll tell you what actually works.